Cash America NCP Finance Ltd./Wilshire Consumer Credit "Scam or Not" Ft. Worth, Texas

NCP Finance Ltd.

Cash America International

Wilshire Consumer Credit

Scam or Not

To all of you, who read my writings, beware of these companies. The more research I do; the more companies
that are popping up, its like a maze, it would take our legal systems years just to sort it out. By the time justice could prevail, these companies would evaporate. For sure, I never expect to see my Car Title again. So Im out $4654.77 and ownership of my car.


11-14-11   Called

Wilshire for pay-off on loan. Was told the pay-off would be valid until 11-21-11 and the amount would be $4654.77. No credit received.

11-15-11  Was told by customer service rep. that it would be credited the day of receipt and reflected in account on the morning of 11-16-11.

11-16-11   Called in am and ask why payment was not credited and was told that credit would be applied by afternoon.

11-16-11 3:35PST Called and talked to CSR which said it would be credited the night of the 16th and show on the 17th. When ask where the check was, he could not give me a straight answer.

I ask to speak to a supervisor and replied yes reluctantly. Then I spoke to Supervisor Tony which said he didn't know where the check was. I ask if he could call and check with the payment center he had referred to and he replied
that he couldn't and that they could not receive incoming calls. That was the end of the conversation.

11-17-11 5:40am  Checked account for update and found that no credits have been posted.

11-17-11 1:32pm Tony De Leon called me from Wilshire Consumer Credit to let me know that I had sent the Certified Check from Bank of America to the wrong address. I told him that the address was given to me by the girl that I had gotten the pay-off from and process was performed just as she had instructed with no variations. He requested a copy of the check and he would make sure the problem would be resolved. I scanned the check and emailed it to him at Tony De Leon jdeleon@westlakefinancial.com.

2:12pm Tony emailed me and afterwards called to verify that he had received my email with the check copy.
He also told me that it would still be another 10 days before I receiving the title.

11-18-11 I checked my account this morning and the account balance was zero.

Note: I feel that Wilshire still owes me interest from the 15th of November when they received the check through the 21st  of November when the interest was charged. I still want my title released immediately.

11-29-11 On or about 12pm I checked with the Texas Department of Public Safety at 512-837-4418, option 5 to
verify that lien has been removed, CSR informed me that there was still a lien against my vehicle.

11-30-11 Sent the BBB in Los Angeles an email after calling The Texas Department of Public Safety to find out that my title still had not been released. They replied to say that it would be noted and be on their file for 36 months. As far as I know, no action has been taken. Its been 15 days and counting since Wilshire sign for my certified check from Bank of America.

Called District Attorneys office to find out if they could take any action or make a suggestion as to what I should do. Their told me there was nothing they could do and could not advise me.

12-02-11 Today I called the Texas Department of Public Safety to find out that my car title, was not released from a payoff that took place on 11-15-2011. I called the Texas Attorney Generals office, which couldnt do anything, but they triedWilshire is no longer licensed in the state of Texas.  Texas was a lot smarter than I was..

Also called the California Department of Corporations; took my number and said someone would call meNot holding my breath on that one..

12-02-11  Tony De Leon, supervisor for what I understand by his own admission called me tonight in regards to an update that I emailed to Wilshire Consumer Credit. In his own words he tells me that Wilshire only services my account. Hmm So, why didnt he tell me this in the beginning? I am also informed that a company named NCP Finance Ltd. Out of Ft. Worth, TX is actually the principal in this transaction and Cash America writes these loans for NCP. ADD:4220 N FWY, FT. Worth, Texas 76137. Not sure how valid this information is, but our efforts will continue

ADDITIONAL INFORMATION:

100002663   BBB file opened: 1/21/2005 Business started: 8/29/1988

Licensing Agency: Department of Corporations, Finance Lender License Number: 603D283 Status: Active

Contact Information
 Cecilia Park - Legal Department
  Bernie Delaney (Vice President)

Number of Employees 38
Business Category
Loan Companies
Alternate Business Names
Wilshire Consumer CreditWilshire Commercial Capitol 1800cartitle.com


Cc: California Department of Consumer Affairs
Correspondence Unit
1625 North Market Blvd., Suite N 112
Sacramento, CA 95834
(800) 952-5210

 BBB of the Southland, Inc.
 Serving Los Angeles, Orange, Riverside, and San Bernardino  Counties

 315 North La Cadena Drive
Colton, CA 92324

   Phone:(909) 825-7280
  Fax:(909) 825-6246

Office of the Attorney General
Consumer Protection Division
PO Box 12548
Austin, TX 78711-2548

Federal Trade Commission
600 Pennsylvania Avenue, NW
Washington, DC 20580
(202) 326-2222
www.ftc.gov

California Department of Corporations
Financial Services Division
320 West 4th Street, Suite 750
Los Angeles, CA 90013-1105

Toll Free: (866) 275-2677
Web Site: http://www.corp.ca.gov

Travis County District Attorneys Office
Austin, Texas 

Cc: KVUE-TV
Washington Post